Insurance covers a variety of benefits to individuals, based on their needs. There are many different types of insurance, including health, vision, dental, life, long-term care, auto, and homeowner’s. Insurance plans are typically privately paid.

There are two primary ways to purchase insurance. Insurance agents, representing specific insurance companies, can sell plans directly to an individual. Insurance brokers, however, act as an intermediary between the individual and an insurance company. Brokers may offer different types of insurance, from separate companies, and can assist in finding plans that best suit an individual’s needs. Insurance brokers are licensed by the State of California.

Cost for consumers to use a broker depends on the broker as well as the type of insurance you are purchasing. Some insurance brokers may charge a service fee (either a flat fee or a percentage based on the policy sold). Others may be free of charge, as the broker receives a commission from the insurance company.